Life Insurance

Life insurance ensures that loved ones are taken care of financially after the death of the policy holder. The insured's family can use it to pay for funeral expenses, household debts, basic living expenses, college tuition, medical bills, or any other need that may arise. There are three types of life insurance: term life, whole life, and universal life. 

Whole Life Insurance

Whole life or permanent life insurance offers coverage that can last a lifetime, paying a death benefit no matter what age the insured is when he or she passes away. Whole life products offer coverage for life at a level premium with some developing cash values. 

A whole life insurance policy should be considered if the policyholder seeks to:

  • Have the security of lifelong protection
  • Have cash value that can be used while still living
  • Provide an income, pay off debts, ensure a child's college tuition, or protect her or his family business

Final Expense

There are many expenses associated with death that can have a substantial financial impact on the loved ones of the deceased. Final expense life insurance, a type of whole life insurance, can help protect loved ones from the burden of having to pay these expenses from out-of-pocket.

Final expense life insurance offers the following: settlers, MOH, united home life

  • Simplified issue
  • No medical exams
  • A small face amount that builds cash value
Aetna
AIG Life Insurance
americo med supp
Assurity Life Insurance Company
Bankers Fidelity Insurance Company
The Capitol Life Insurance Company
Christian Fidelity Life Insurance Company
Cincinnati Life Insurance Company
CVS Health
Equitable Insurance Company
Foresters Financial
Gerber Life Insurance Company
Great Western Insurance Company
Liberty Bankers Life Insurance Group
Lumico Life Insurance
Mutual of Omaha
national general
The National Slovak Society
Occidental Life Insurance Company of North Carolina
Oxford Life Insurance Company
Royal Neighbors of America Life Insurance
Standard Life and Casualty Insurance Company
Transamerica
Trinity Life Insurance Company
Unified Life Insurance Company

Term Life Insurance

Term life insurance is the simplest form of life insurance. Term life products offer coverage for a limited time period, at a lower premium, with no cash value at the end of the policy's term. Premiums are typically fixed and proceeds are paid directly to beneficiaries. 

A term life policy should be considered if the policyholder seeks to: 

  • Receive valuable yet affordable coverage
  • Have protection during important life events such as marriage, birth or adoption of children, or starting a business 
  • Supplement another policy 
Transamerica Life Insurance
Cincinnati Life Insurance Company
AIG Life Insurance

Universal Life Insurance

Universal life insurance provides additional flexibility beyond term life and whole life products. A type of flexible permanent life insurance, universal life insurance offers the affordable protection of term life insurance on top of the advantage of providing a cash buildup that comes along with whole life insurance policies. 

Universal life insurance offers adjustable premium payments that can be shifted over time based on the needs of the policyholder. Upon the death of the policyholder, the death benefit is left to her or his beneficiaries. 

A universal life insurance policy should be considered if the policyholder seeks to:

  • Have adjustable payments
  • Pay premiums over the minimum amount due to accumulate cash value, which can then be used to pay premiums
  • Secure a policy with cash value that grows tax-deferred (until funds are withdrawn)

Check back regularly, as we are constantly expanding our portfolio of life insurance carriers for our agents. Click on the carrier logo to learn more.

Aetna
AIG Life Insurance
American Continental Insurance Company
Assurity Life Insurance Company
Assurity Life Insurance Company
Cincinnati Life Insurance Company
Equitable Life & Casualty Insurance Company
Liberty Bankers Life Insurance Company
Gerber Life Insurance Company
Trinity Life Insurance Company
NGL Insurance Group
Monumental Life
Columbian Mutual Life Insurance Company
Great Western Insurance Company
Standard Life and Casualty
Transamerica Life Insurance
United of Omaha Life Insurance Company
Foresters Life Insurance
Foresters Life Insurance
Foresters Life Insurance